Wealth lending

Borrow against your financial assets and access liquid funds

Find the right lending solution for you – whether you need a straightforward loan facility or have more complex requirements, with help from your Lending Specialist.


Flexible, hassle-free lending solutions with on-going support from your personal Lending Specialist.

Your investments can fall as well as rise. You may not get back what you originally invested.

Ease and flexibility

There’s no application charge and you can buy and sell assets at any time, provided you have sufficient collateral with us.

Space to grow

Thousands of globally traded assets have been approved as collateral, and the number is growing.


If you use this service for leverage, you can re-invest, increasing the gross value of your portfolio and potentially increasing diversification. However, while investment leverage can magnify gains in a rising market, it can also magnify losses when the market falls.

Dedicated support

Your Wealth Manager will be with you every step of the way, from taking trade orders to giving you market updates.

Using lending to your advantage


Make an immediate purchase, take advantage of an opportunity or be assured of a line of credit for short-term borrowing.


Introduce strategic leverage to your investment portfolio – it could amplify returns in a rising market, though a market fall would amplify losses.

Things to consider

  • With a leveraged investment you would be responsible for repaying the loan and interest on it. Adding leverage to your portfolio may amplify returns in a rising market, although losses may also be amplified if the market falls
  • Interest rates on the loan may exceed any gain on the investment. They may also change during the term of the loan
  • There may be an extra risk if you borrow in a different currency to the currency of the assets in your portfolio
  • We recommend you consult your tax adviser before using the service

We will review your portfolio and, if the value drops, or the value of your exposure increases, or if there isn’t enough collateral to support the exposure, we’ll ask you to add more cash or securities to your portfolio. If this isn’t possible, we may have to sell some or all of your assets.

Ready to talk?

To help us put you in touch with the right team and the right services, we have two questions to ask you.

Do you live in the UK?
Do you have £5 million or more in investable assets?
Do you have £500,000 or more in investable assets?

Please choose the following link and provide your details or speak with one of our Wealth Management Client Services team on 0800 279 4893*

*Opening hours: Monday to Friday, 09:00 to 17:00 (excluding UK bank holidays).

Calls to 0800 numbers are free if made from a UK landline and international calls are charged at local rate, mobile costs may vary – please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes.

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We have a self-directed investment offering which may be of interest

This service does not provide any personal advice. If you're not sure about the suitability of investments for you, seek independent advice.

Remember, investments can fall as well as rise in value – you may get back less than you invest.

Visit Smart Investor

Given your circumstances, our Private Bank team will be able to better help you.

Private Bank

Our Wealth Management services are only for UK residents, so our International Banking team will be able to better help you.

International Banking